Get $5,000 to $5,000,000 in flexible business funding for your Michigan business. Fixed daily or weekly payments based on your monthly revenue. Predictable, simple, no credit card processing required.
Funding Available for Michigan Businesses
From Application to Approval Decision
Minimum Score — All Credit Welcome
Revenue based financing (RBF) is a modern funding solution that gives Michigan business owners access to capital based on their monthly revenue. Unlike a merchant cash advance that takes a percentage of your daily credit card sales, RBF provides a lump sum with fixed daily or weekly ACH payments drawn from your business bank account. Your payment amount is set upfront based on your revenue history — simple, predictable, and no credit card processing required.
This makes revenue based financing ideal for Michigan businesses across every industry — whether you run a construction company in Ann Arbor, a restaurant group in Grand Rapids, or an auto parts operation in Detroit. Because payments are fixed and predictable, you can plan your cash flow with confidence instead of watching a percentage of every sale disappear.
At Merchant Fund Express, we have funded thousands of Michigan businesses with revenue based financing ranging from $5,000 to $5,000,000. Our approval process takes just 24 hours, and funds are deposited directly into your business bank account within 48 hours of approval.
Join thousands of Michigan businesses that trust Merchant Fund Express
Start Your ApplicationOr call (305) 384-8391
3-minute application. Basic business info and 3 months of bank statements.
24-hour decision. Our team reviews your revenue, not just your credit.
Funds deposited directly to your bank account within 48 hours.
Use funds for anything — equipment, payroll, inventory, marketing, expansion.
Michigan’s economy is one of the most diverse in the nation, with a GDP exceeding $580 billion and over 900,000 small businesses employing 1.9 million people. From Detroit’s automotive industry to Grand Rapids’ furniture manufacturing, Kalamazoo’s pharmaceutical sector to Traverse City’s tourism economy — Michigan businesses have unique funding needs that traditional banks often can’t meet.
Fixed daily or weekly ACH payments you can plan around. No surprises, no percentage of sales taken.
Get approved in 24 hours, funded in 48. Banks take 6-8 weeks for the same decision.
Your revenue is your qualification. No need to pledge personal assets or business property.
Credit scores as low as 550 accepted. We focus on revenue, not your credit history.
| Feature | Revenue Based Financing | Traditional Bank Loan | SBA Loan |
|---|---|---|---|
| Approval Time | 24 Hours | 2-6 Weeks | 30-90 Days |
| Funding Speed | 48 Hours | 2-4 Weeks | 60-90 Days |
| Credit Score Min | 550+ | 680+ | 680+ |
| Collateral | None Required | Usually Required | Often Required |
| Flexible Payments | Fixed Daily/Weekly ACH | No — Fixed Monthly | No — Fixed Monthly |
| Documentation | Bank Statements Only | Tax Returns, Financials, Business Plan | Extensive Package |
| Approval Rate | ~85% | ~20% | ~15% |
| Use Restrictions | None | Often Restricted | Restricted |
See how much you qualify for in under 3 minutes
Get Your Free Quote (305) 384-8391A Detroit-area auto parts manufacturer needed capital to purchase new CNC equipment to fulfill a major OEM contract. Traditional banks wanted 8 weeks for approval — the contract deadline was in 3 weeks. Merchant Fund Express approved $450,000 in just 22 hours.
Result: $1.2M in new annual revenue from the contract
A three-location restaurant group in Grand Rapids wanted to open their fourth location. The owner had a 590 credit score from pandemic-era debt — every bank said no. Merchant Fund Express approved $200,000 with revenue-based repayment that adjusted to their seasonal ups and downs.
Result: New location profitable within 90 days
A commercial construction firm in Ann Arbor won a $3M university project but needed working capital for materials and crew mobilization. Revenue based financing gave them $300,000 in 48 hours with payments that scaled with their project billing cycle.
Result: Completed project on schedule, landed 2 more university contracts
Specific requirements vary by funding amount. Apply to see what you qualify for — no obligation, no impact to your credit score to check.
Michigan businesses get approved in 24 hours. Apply now or call us.
Start Your ApplicationOr call now: (305) 384-8391
Speak with a funding specialist today. No obligation, no impact on your credit score.